Most credit cards are valid for 5 years. After expiration, the card can no longer be used. However, banks often contact cardholders to renew their cards, but cardholders can also choose not to renew their cards.

After the credit card expires, it will be automatically cancelled if it is not changed, but it will be automatically cancelled at this time, and the account will not be automatically cancelled. If there is any outstanding debt in the card, it must be paid off on time, otherwise it will become overdue. If you don't want to renew your credit card after it expires, you need to tell the bank. Otherwise, most banks will change the card by default, and then send the new card to the address reserved by the cardholder in the bank.

When the credit card expires, there is generally no handling fee for the new card. High-end cards may require a handling fee. Send a new card to the billing address before the card expires. After receiving the new card, you can activate it. At the same time, the old card is invalid (if the new card is not opened, the old card can be used until its validity expires).

The validity period of a credit card is calculated from the date when the credit card is approved. After expiration, the expired card can no longer be used, whether it is renewed or not. It's best to cut off the magnetic stripe of the old card to avoid theft.

Credit card cancellation and account cancellation are two completely different concepts. The cancellation of a credit card means that this card can't be used, but the account opened in the bank is still normal. If you want to close the account, you must apply to the bank to complete it, and the system cannot automatically close the account.